I think you might want to look at the PSD2 (payment services directive) standard, which tries to regulate this in the EU. https://en.wikipedia.org/wiki/Payment

I think you might want to look at the PSD2 (payment services directive) standard, which tries to regulate this in the EU. https://en.wikipedia.org/wiki/Payment_Services_Directive https://en.wikipedia.org/wiki/Payment_Services_Directive Most banks seem to offer environments for integrating with them (they are obliged to do so), in my understanding it's not a very enjoyable process though. You will also need to register as a service provider to use this, I don't know how complicated that is. Some companies like Figo/Finleap provide higher-level APIs that you can use as a fintech/developer, maybe that might be a better strategy for you if your resources are limited.